Cap One CLI? How much can I expect on Credit Steps.

[Anonymous]

I have two of the Capital One rebuilder cards.   A Quicksliver one and a Platinum.   Got the QS1 in January and the Platinum in Feb.  Both with starting limits of 500 each.   I have used the heck out of them and on 4/24  I hit the luv button and got a cli to 1500 on each of them.  Needless to say I was super excited.  But you all know cli's are like a drug.  LOL   So now I'm wondering what I can expect with the credit steps increase and when to expect it.   If it's six months I should have put about 7500 through each of the cards.   Hoping for somewhere around 3-4000 limits then.   I have read all the post and know that cap one is a crap shoot sometimes.  But most people say they really look at use.  I try my best to never carry a balance and pay several times a month to ensure this.  But I have had under a 100 a time or two.   Anyone with similar experience with them can chime in with what happened to them,  I would love to hear it.  Thanks for taking the time to read all this. Happy rebuilding all. 

[Anonymous]

My first credit card was the Capital One Journey card with a $500 limit, 6 months or so later it was automatically increased to $1500, about a year later I upgraded the same account to a Quicksilver Card via an offer i recieved in the mail, which kept the same $1,500 credit line. Since then (1-2 years or so) I have rarely used the Quicksilver card as most of my expenses are ran through an Amex PRG and Chase Freedom...BUT, to my suprise they automatically increased my limit again to $3000, a few months ago. I am not sure how they figure out their Automatic CLIs but it was surprising to me seeing as I rarely use the card, but appreciated none the less. I was thinking the reason for the CLI may have been used as an incentive for me to start using the card more often, but I may be wrong.

[pizza1]

Hard to say but the general census has been $1k-$3k.
Depends on overall profile as well, and cap one usage too. but most people see a decent bump.

[CreditCuriosity]

I had a 200 bump lol... EO then got involved bumped another 1k.. then last CLI 500 then EO involved for another 2k on top of it....  Credit steps and cap1 is a mystery to me. still to this date..  

[Anonymous]

I had the QS for a year and have gone up from $500 to 3300! I don't use it very much but I have opened 2 cards since then and each time they increased my CL. I haven't opened another in 7 months and they just increased it again! I barely use it but carry a small balance each month. I think they like knowing you are paying them interest. That has helped me recently.

[Anonymous]

These companies are almost impossible to predict aren't they.   My credit has definitely improved.  About a 40 point increase in just 4 months.  And cap one has recognized that with the original increase.  So who am I to complain.   Just reading all these success stories gives me hope for more.  I have a couple new store cards that I am really wanting clis on but no luck so far like some have had.   Lowes, Belk, Kohls,  Gotta several bad marks that I am working hard to correct and remove.  If not, have about 3 yrs till Im clean.  But Im not giving up.  Im gonna keep on using all the suggestions on here and eventually I will be back in the over 700 club ( 750 at one point).  If only I knew then what I know now. LOL

[Anonymous]

You'll get there! Never bad getting increases. Keep up the hard work and it will pay off. The negative items won't have as much of an impact as time goes on.

[juiceeee]

Opened my Quicksilver card with a CL of $1000. Got a $5000 increase after 6 mos. I'm also an AU on another CapOne card that was opened with a CL of $1000 and after 6 mos there was a $2000 increase.  Low balances and on time payments on both.

[Anonymous]

That's awesome. They've been really good to me so far. I'm hoping that will continue. I recently got an nfcu cash rewards card as well and I'm sure having these cards was a factor in the approval.

[Anonymous]

my cap 1 went from 300 to 651 after 6 months, and it's still at 651